United States (the official card page offers an instant-setup entry point and no longer mentions a waitlist; state eligibility, identity and credit review are subject to the application page)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- The official card page does not publish an annual-fee amount. Routine card spending in the US carries no fee; late-payment and foreign-currency charges follow WebBank's published credit-card terms.
- Debit / Deduction Model
- US federal industrial bank credit clearing architecture: WebBank provides revolving credit facilities, with Paxos USDG stablecoin inside OKX Pay automatically settling billing statements
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Requires valid US legal identification (SSN or ITIN), an authentic US residential address, and passing US federal bank CIP/KYC compliance and credit underwriting.
- Officially supported countries and regions
- United States (the official card page offers an instant-setup entry point and no longer mentions a waitlist; state eligibility, identity and credit review are subject to the application page)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Mastercard (the site names only Mastercard and never mentions Visa; issued by WebBank, supports Apple Pay and Google Pay)
- Issuer Arrangement / Payment Rails
- WebBank (Utah-chartered bank in Salt Lake City) and OKX. Card BIN not disclosed; this page does not speculate on specific BINs.
- Apple Pay / Google Pay
- : Officially confirmed native Apple Pay support; can be pushed to iPhone and Apple Watch Wallet with one click after approval for nationwide contactless tap-to-pay.
- Overseas AI Subscriptions
- : Prime BIN from a top-tier US domestic bank revolving credit card, ensuring 100% seamless activation for OpenAI ChatGPT Plus, Claude Pro, Midjourney, AWS, and stringent US merchant subscriptions.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- 2% to 10% USDG cashback (depending on OKX Pay asset tier and spending category), paid only on eligible USDG purchases settled through Autopay; USDC / USDT purchases and manual fiat repayment do not earn cashback, and spending eligibility and monthly caps apply. The official card page does not list idle-USDG yield terms.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- US WebBank Utah-Chartered Issuance with $0 Annual Fee
- The site states "The OKX Card is issued by WebBank" and names only Mastercard, never Visa. It does not publish an annual fee, saying only "Terms apply". Neither "Visa / Mastercard" nor "0 annual fee" appears on the page, so the network has been corrected to what the page says and the annual fee is now recorded as unpublished. [3]
- Deep Paxos USDG Integration & 2%–10% Cashback
- Rewards are settled in Paxos-issued, regulated USDG; the cashback rate is 2%–10%, but the issuer states that it applies only to eligible USDG purchases settled through Autopay. USDC / USDT purchases and manual fiat repayment are excluded, and spending eligibility and monthly caps apply. [3]
- USDG Auto-Repayment & Independence from European Debit Line
- OKX account USDG can be set as the monthly autopay source; cashback is also paid only on eligible USDG purchases settled through Autopay. The official card page does not list yield terms for idle USDG, so the earlier claim that funds keep earning until the repayment date has been withdrawn. This is a US-only credit card and a completely separate banking product from the European EEA debit card. [3]
- Annual fee not published
- The official card page (checked 2026-10-29) says only "No FX fees. No transaction fees." and "Terms apply"; no annual-fee amount and no "$0 annual fee" appear. The fee field and intro previously said "0 annual fee", contradicting this page's own fact entry, and have been changed to "not published". Check the annual fee in WebBank's cardholder agreement before applying. [3]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Mastercard (the site names only Mastercard and never mentions Visa)
- Issuer arrangement / BIN
- WebBank (Utah-chartered bank in Salt Lake City) and OKX. Card BIN not disclosed; this page does not speculate on specific BINs.
- Apple Pay
- ✅ Explicitly stated in official materials: Officially confirmed native Apple Pay support; can be pushed to iPhone and Apple Watch Wallet with one click after approval for nationwide contactless tap-to-pay.
- Google Pay
- ✅ Explicitly stated in official materials: Officially and natively supports Google Wallet, compatible with all NFC-enabled Android phones and smart wearables.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Prime BIN from a top-tier US domestic bank revolving credit card, ensuring 100% seamless activation for OpenAI ChatGPT Plus, Claude Pro, Midjourney, AWS, and stringent US merchant subscriptions.
Compatibility information for this card was verified on 2026-10-30 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 230 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- OKX: Buy Bitcoin BTC & Crypto (OKX Inc.); repayments and cashback routed through in-app OKX Pay
- Web Portal Support
- Web Account Available; Card Primarily via App — Waitlist registration available via okx.com/en-us/card; repayments and rewards managed through in-app OKX Pay.
- Apple App Store
-
App Store Official Download ↗ Excludes Mainland China; Missing key markets: Thailand, Philippines, Indonesia, India
- Google Play
-
▶ Google Play Official Download ↗ Missing key markets: Hong Kong, Thailand, Philippines, Indonesia, India, Canada
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
Explicit GDPR Compliance
Unified OKX privacy policy (US data controller OKX INC., San Francisco): details comprehensive GDPR/UK GDPR rights and explicit US protections under CCPA/CPRA (know, delete, correct, opt-out of sale/sharing, limit sensitive data use) and GLBA affiliate sharing opt-out (email subject "GLBA OPT-OUT REQUEST", 30-day turnaround); dedicated Data Subject Access Request (DSAR) portal; identity verification processed by Au10tix, Jumio, and Sumsub capturing facial geometry with prior written consent under Illinois BIPA and Texas CUBI; automated compliance checks may trigger liveness prompts with manual review recourse via email. Card issued by WebBank under separate issuing bank privacy policies (unlinked on marketing portal).
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained as required for lawful business purposes; BSA/AML and sanctions records retained for at least 5 years following account termination.
- App Store Privacy Label
- Used to track: Identifiers; Linked to you: 6 categories; Not linked to you: 2 categories
- Google Play Data Safety
- Shared with 3rd parties: App info and performance; Collects 5 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
OKX accounts can be closed self-service via app path "User Center → Security → Manage Account" or web security center; card program pending rollout with closure terms unfinalized.
Verified on 2026-10-19. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Deep Synergy of US Regulated Credit & Web3 Stablecoins
The partnership between OKX and WebBank marks another watershed moment for US crypto credit alongside Coinbase and Gemini. By anchoring cashback rewards and statement settlements to Paxos USDG, it eliminates the extreme volatility common in conventional token-based reward programs. [1] [2]
Eligibility and setup
The official card page currently offers an instant-setup entry point and says “Set up in seconds. Use instantly worldwide.”, no longer presenting a waitlist as the only entry point. Applicants still need to pass US bank-compliant identity and credit review (including SSN / ITIN) and meet their state’s eligibility rules; whether an account can be opened depends on the application result. [3]
Frequently asked questions
What is the difference between the OKX Credit Card and the European OKX Card?
The European version is a debit card that liquidates crypto into EUR at point of sale; the US version is a genuine revolving credit card issued by WebBank, enabling post-purchase settlement via USDG or USD.
What is USDG, and is it safe?
USDG (Global Dollar) is a regulated USD stablecoin issued by New York-regulated financial institution Paxos, backed 100% by USD cash and short-term US Treasury reserves with institutional-grade security and audited transparency.
Can non-US residents or Mainland Chinese users apply?
No. This credit card is strictly governed by US banking and financial regulations, requiring a valid US SSN/ITIN and proof of permanent US residential address.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
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